It's all a bit of a gamble isn't it? I calc'd mine once and I wouldn't have any advantage waiting for the max monthly payment until I collected past age 85 (male life expectancy is only 78)! I'll play the odds, take it at 62 and enjoy my money for 23 years. If I'm still breathing at 85, I won't care much one way or another
And then there's this from actuarial studies of Ford, Boeing, and Lockheed pension funds. I retired early, your mileage may vary
retire-at-55-and-live-to-80-work-till-youre-65-and-die-at-67-startling-new-data-shows-how-work-pounds-older-bodies/
